| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSKON BLVD STE 14A CHICHAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129K | — | $129K | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN EMP BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $151K | — | $151K | 27.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN EMP BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 2.69% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 554860463 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 2.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. CHICAGO, IL 60604 | EYEMED VISION CARE | $12K | — | $12K | 2.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $9K | — | $9K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 1.57% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$86 | — | -$86 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $1K | — | $1K | 1.58% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | -$19 | — | -$19 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $711 | — | $711 | 1.39% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | -$10 | — | -$10 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $756 | — | $756 | 1.60% |
| FST ASSOCIATES INC3 | 118 S CLINTON CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | -$10 | — | -$10 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $566 | — | $566 | 1.60% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF TEXAS, INC. | -$8 | — | -$8 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $318 | — | $318 | 1.62% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | -$4 | — | -$4 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $241 | — | $241 | 1.53% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | -$3 | — | -$3 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF OHIO, INC. | $171 | — | $171 | 1.45% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES, INC. | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF OHIO, INC. | -$2 | — | -$2 | -0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $67 | — | $67 | 1.70% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | -$3 | — | -$3 | -0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $61 | — | $61 | 1.55% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | -$1 | — | -$1 | -0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $82 | — | $82 | 2.08% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | -$1 | — | -$1 | -0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $80 | — | $80 | 2.03% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | -$1 | — | -$1 | -0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $64 | — | $64 | 1.63% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | -$1 | — | -$1 | -0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF COLORADO, INC | $60 | — | $60 | 1.52% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF COLORADO, INC | -$1 | — | -$1 | -0.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(14 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,250 | $685K |
| Vision | EYEMED VISION CARE | 4,555 | $504K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,033 | $1.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,785 | $818K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,578 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,578 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.